Podcasts about accredited financial counselor

In this episode of the Miko Love podcast, host Kumiko Love delves into the complex issue of habitual shopping, exploring its psychological roots, emotional triggers, and the societal influences that perpetuate compulsive spending. She emphasizes the importance of self-awareness, self-compassion, and community support in overcoming these habits. Listeners are encouraged to identify their spending triggers, regulate their emotional responses, and create a spending plan that aligns with their values and healing goals. Ultimately, the episode serves as a reminder that healing from habitual shopping is possible and that individuals can cultivate a healthier relationship with money and themselves.KEY TAKEAWAYSHabitual shopping is a coping mechanism for emotional pain.Dopamine plays a significant role in reinforcing shopping habits.Awareness is the first step to changing spending patterns.Your identity influences your financial behaviors.Regulating your nervous system can improve decision-making.Creating a spending plan should reflect your values and goals.Community support is vital in overcoming habitual shopping.You can rewrite your relationship with money and shopping.EPISODE CHAPTERS00:00 Introduction to Habitual Shopping02:50 Understanding the Psychology Behind Shopping Habits06:05 Identifying Triggers and Patterns09:01 The Role of Self-Compassion and Identity11:52 Regulating Your Nervous System15:13 Creating a Healing-Centered Spending Plan17:51 Building Community and Support for ChangeAbout Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this episode of the Miko Love Podcast, host Kumiko Love shares her personal journey of buying her dream home with cash. She discusses the importance of vision, discipline, and financial planning, as well as the emotional challenges she faced along the way. Kumiko emphasizes the significance of tracking progress, staying consistent, and believing in oneself, regardless of financial circumstances. Her story serves as an inspiration for anyone working towards their own financial goals, reminding listeners that they are capable of achieving their dreams.]KEY TAKEAWAYSEveryone's financial journey is different, and that's okay.Small savings can lead to significant success over time.Visualizing your dream home is crucial to achieving it.You must have a strategic financial plan to reach your goals.Listening to your heart is important in decision-making.Don't let others' opinions deter you from your dreams.Slow progress is still progress, and every step counts.OTHER RESOURCESWatch when I reveal to my son that I was able to buy us a home: https://youtu.be/QklH6gAVgjU?si=VFefvFXKtyO5tRRQRead the article: https://thebudgetmom.com/my-journey-to-buying-my-dream-home-with-cash/EPISODE CHAPTERS00:00 Introduction to the Journey02:45 The Dream of Homeownership06:04 Financial Planning and Vision08:54 The Decision to Buy with Cash12:11 Overcoming Challenges and Setbacks15:00 The Emotional Journey to Homeownership17:54 Investing for the Future21:13 The Importance of Tracking Progress24:05 Consistency and Small Goals26:51 The Final Steps to Homeownership30:05 Reflections on the JourneyAbout Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this powerful episode, I sit down with Adina Appelbaum, an immigration lawyer, Accredited Financial Counselor, and co-founder of Immigrant Finance. We dive into how immigrants can take control of both their legal status and their financial future. Adina opens up about her journey and how her personal and professional experiences inspired her and her husband Mauricio to build a platform that helps immigrant families gain stability and create generational wealth. We talk about the most common financial myths in immigrant communities, how someone without a Social Security number can start building credit, and why financial empowerment is a critical part of the immigrant experience. Whether you're documented, undocumented, or somewhere in between, this conversation is filled with practical advice, encouragement, and real tools to move forward. 

In this episode of the Miko Love Podcast, host Kumiko Love explores the pervasive issue of perfectionism in the age of social media, particularly Instagram. She discusses how the definition of perfectionism has shifted from achievement to appearance, leading to emotional costs and pressures that affect not only adults but also children. Kumiko emphasizes the importance of redefining what 'enough' means and encourages listeners to choose presence over perfection in their lives.KEY TAKEAWAYSPerfectionism today is about being seen doing well, not just doing well.Social media has commercialized perfectionism, profiting off our insecurities.Perfectionism can chip away at our ability to show up honestly.'Enough' has been redefined by comparison rather than sufficiency.True contentment comes from resting and honoring our reality.IMPACTFUL QUOTES"To be accepted, they must be flawless.""Enough has been hijacked by comparison."EPISODE CHAPTERS00:00 Introduction to Perfectionism in the Social Media Era03:13 The Shift from Achievement to Appearance05:58 The Emotional Cost of Perfectionism09:14 Impact on Children and Future Generations12:00 Redefining 'Enough' and Choosing Presence Over PerfectionAbout Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this episode of the Miko Love podcast, host Kumiko Love shares her transformative journey from being over $77,000 in debt to achieving financial freedom & fulfillment. She reflects on the emotional and practical aspects of her experience, discussing the importance of family support, the challenges of budgeting, and the mindset shifts necessary for lasting financial success. Kumiko emphasizes that being debt-free is not just about the numbers, but about understanding one's relationship with money and the deeper motivations behind financial goals.EPISODE RESOURCESCreate a realistic budget that actually works: https://courses.thebudgetmom.com/p/building-blocks-of-budgetingWatch my Attack Your Debt Mini Lesson: https://youtu.be/aAutYJLHm00Read the article "My Debt Story – Accomplishing the Unimaginable": https://thebudgetmom.com/my-debt-story-accomplishing-the-unimaginable/EPISODE CHAPTERS00:00 Introduction to the Journey03:00 The Impact of Debt Freedom05:51 The Road to Debt Repayment11:59 Facing Financial Hardships18:10 The Role of Family and Support23:58 Building a Sustainable Budget29:49 The Importance of Mindset in Financial Success35:58 Life After Debt: New PerspectivesAbout Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

Achieving financial independence doesn't require a six-figure salary — just ask Jackie Koski. In this episode of Real Money, Real Experts, we sit down with Jackie Koski, an Accredited Financial Counselor and Certified Financial Planner who achieved financial independence in her 40s — all while earning less than six figures. Jackie shares her inspiring journey of overcoming poverty, divorce, and single motherhood to reach F.I.R.E. (Financial Independence, Retire Early). She breaks down her proven formula for building wealth, the importance of mindset in financial success, and how passing down financial wisdom can create a lasting legacy. Don't miss this empowering conversation filled with practical strategies for achieving financial freedom on your own terms.Show Notes:02:18 How Jackie Achieved Financial Independence on Less Than Six Figures08:37 The Heart Behind "Money Letters to My Daughter"11:10 Jackie's Proven Blueprint for Achieving F.I.R.E.14:16 Why Starting Late Could Be Your Greatest Advantage19:07 Embracing Your Strengths to Unlock Financial Success23:38 The Unexpected Power of the $2 Bill28:35 Jackie's 2 CentsShow Note Links:Connect with Jackie on LinkedInConnect with Jackie on IGSecure your copy of  “Money Letters 2 my Daughter" Secure your copy of “F.I.R.E. for Dummies” Learn more about Jackie and what she's up to here.Want to get involved with AFCPE®?Here are a few places to start: Become a Member, Sign up for an Essentials Course, or Get AFC Certified today! Want to support the podcast? We love partnering with organizations that share our mission and values. Download our media kit.

Send Jay comments via textWhat happens when a burnt-out attorney with $200,000 in student loan debt decides to completely transform her life as an empty nester? Join us as Jessica Medina candidly shares her experiences burdened with a staggering average student loan debt of $145,000. She discusses the emotional weight of student loans and why they require special consideration, alongside practical strategies for parents approaching college funding conversations with their children.The conversation takes a personal turn as Jessica prepares for her own empty nest. After raising twins as a single mom while juggling her legal career, she found love and began plotting her “second chapter” with her husband, which included developing the financial skills necessary to leave law behind and pursue their dream of vineyard ownership in Asheville, North Carolina.Highlights:The emotional burdens associated with student debt and its impact on effective financial planning.Strategies for open conversations about college funding expectations with children.Key Takeaways:Addressing student loan debt requires unique strategies and emotional awareness.Early discussions about college funding can alleviate future stress and miscommunication.Join us for this insightful episode as we explore Jessica's journey and her wisdom on navigating the challenges of student debt, redefining personal identity in mid-life, and building a vibrant community as an empty nester. Jessica Medina's BioJessica Medina is a lawyer turned Accredited Financial Counselor on a mission to help attorneys create the financial freedom they need to do big things. She graduated from Columbia Law School in 2004 as a single mom of twins with over $200,000 in student loans and went straight to work at a Biglaw firm. After eight years she switched roles and became Senior Counsel at the Division of Enforcement at the United States Securities and Exchange Commission. She left the government to work in an area of the financial industry outside of the securities world and now teaches other lawyers how to use their money to finance their dream lives.You can find Jessica online: LinkedIn, Instagram, Facebook, WebsiteSupport the showFREE WORKBOOK3 Steps to Loving Your Empty Nest Life ENJOY THE SHOW?Don't miss an episode, subscribe via Apple Podcasts or follow on Spotify and many more. LOVE THE SHOW?Get your THIS EMPTY NEST LIFE swagReview us on Love the Podcast, Apple Podcasts, or Spotify -- reviews and ratings help others find us and we'd appreciate your support greatly.CONNECT WITH JAYEmail, LinkedIn, Instagram, or TikTok

In this episode of the Miko Love podcast, host Kumiko Love engages with wellness expert Kristel Bauer to explore the complexities of work-life balance. They discuss whether true balance is achievable or merely a myth, the evolution of balance in modern life, and the importance of defining personal balance based on individual values and priorities. The conversation emphasizes the significance of mindfulness, community support, and the need to embrace imperfection in the pursuit of a fulfilling life. Listeners are encouraged to reflect on their own definitions of balance and to seek resources that support their well-being.KEY TAKAWAYSThe concept of balance has evolved with technology and modern work culture.Finding inner balance is more important than striving for external balance.Personal definitions of balance vary and should reflect individual values.Community support is crucial in navigating work-life challenges.Living a fulfilling life involves prioritizing meaningful relationships and experiences.Embracing imperfection can lead to a more satisfying pursuit of balance.Asking for help is a sign of strength, not weakness.EPISODE CHAPTERS00:00 Exploring Work-Life Balance: Myth or Reality?02:53 The Evolution of Balance in Modern Life06:51 Defining Personal Balance: Individual Perspectives11:06 Finding Inner Balance: The Work-Life Tango15:41 Mindfulness and Daily Habits for Stress Management20:45 The Importance of Community and Support23:19 Living a Fulfilling Life: The Bigger Picture27:22 Embracing Imperfection in the Pursuit of Balance32:34 Finding Resources and Support for BalanceABOUT KRISTELKristel Bauer is a top Keynote Speaker, corporate wellness and performance expert sharing insights for more happiness and success. Bauer is the author of Work-Life Tango: Finding Happiness, Harmony & Peak Performance Wherever You Work and she is the host of the "Live Greatly" podcast.More from Kristel:➡️ Order her book, Work-Life Tango: Finding Happiness, Harmony and Peak Performance Wherever You Work: https://bit.ly/3DUdPgs➡️ Listen to her podcast, Live Greatly: https://podcasts.apple.com/us/podcast/live-greatly/id1500457853➡️ Find her on Instagram: https://www.instagram.com/livegreatly_co/About Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this episode of the Miko Love Podcast, host Kumiko Love speaks with Maya Corbic, a financial educator passionate about teaching kids about money. They discuss the importance of financial literacy in today's consumer-driven society, the impact of social media on children's spending habits, and effective methods for teaching financial concepts to kids of different ages.Maya shares her journey from being a first-generation immigrant to becoming a CPA and a financial educator, emphasizing the need for parents to be transparent about money and to instill good financial habits in their children. They also explore various allowance methods, the significance of investing for kids, and how to encourage saving over spending. The conversation concludes with success stories that highlight the importance of building confidence in financial literacy.EPISODE CHAPTERS>> 00:00 Introduction to Financial Literacy for Kids>> 03:02 Maya's Journey: From Immigrant to Financial Educator>> 06:10 The Importance of Financial Literacy in a Consumer Society>> 08:56 Navigating Social Media's Impact on Kids' Spending Habits>> 12:00 Teaching Financial Concepts to Different Age Groups>> 14:59 Allowance Methods: Balancing Work and Financial Education>> 17:58 Conversations About Money: Transparency with Kids>> 20:58 Investing for Kids: Starting Young>> 23:47 Encouraging Saving Over Spending>> 26:58 Balancing Financial Independence with Providing for Kids>> 30:10 Success Stories: Building Confidence in Financial LiteracyABOUT MAYAMaya Corbic, CPA, CA is the author of a kids' book "From Piggy Banks to Stocks: The Ultimate Guide for a Young Investor" and the founder of the Wealthy Kids Investment Club. Her popular Instagram account @teach.kids.money that has 171K+ subscribers inspires parents to raise financially independent kids.Her work has been featured in CBS News, NBC, ABC, Fox, CP24, etc.The Book, From Piggy Banks To Stocks, The Ultimate Guide for a Young Investor  https://amzn.to/41590KoThe Free 4-Step Cheat Sheet on How I Successfully Invest With My Kids https://www.wealthykids.club/4-step-cheat-sheetMy Wealthy Kids Investment Club https://www.wealthykids.club/About Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

64% of veterans will leave initial first post-military job in the first two years! Repeat guest Kate Horrell joins us again to discuss her thought-provoking post on this topic. Of course there are always outliers and unique circumstances, but in genral we hope this conversation helps you slow down and question the pressure to "stabilize" and find your "perfect, dream home" immediatley after you leave active duty.  Main reasons to consider renting for 1 or 2 more years include: Employment instability Effect of stress on decision-making Financial upheaval and the unknowns Links we mentioned: Kate's article "Don't buy a house when leaving active duty" The Syracuse University study  KateHorrell.com Kate's Military Family's Confidently Prepared™ Life Binder Kate's new book on the GI Bill (coming ~4/15/25) Kate Horrell is an Accredited Financial Counselor®, Chartered Financial Consultant®, and Military Qualified Financial Planner®. She's also the spouse of a retired sailor and mom of four young adults. She writes about the financial issues that affect military families - pay, allowances, and benefits. Plus college stuff, landlording, moving, taxes. We cover a little bit of everything. Her goal is to give you the tools to make the best decisions right now, so you'll be confidently prepared for whatever comes next - whether that's a PCS move, transition to civilian life, or retirement. For a limited time, Spencer is offering one-on-one Military Money Mentor sessions! Get your personal military money and investing questions answered in a confidential coaching call. Our new TSP course is live! Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual or email podcast@militarymoneymanual.com. If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.

In this episode of the Miko Love podcast, host Kumiko Love discusses the critical issue of running safety for women. As she trains for her first ultra marathon, she reflects on the risks women face while running, sharing personal experiences and tragic stories of women who have been harmed or murdered. Kumiko emphasizes the importance of safety precautions, community support, and raising awareness about these issues to create safer environments for all runners.KEY TAKEAWAYSEvery woman who runs has to think about safety.Women face unique risks while running.Statistics show that 84% of women have been harassed while running.Self-defense tools can provide an extra layer of protection.Community support is crucial for safety.We need to demand safer communities for all.Raising awareness is essential to change the narrative.EPISODE CHAPTERS>> 00:00 Introduction to the Journey>> 01:01 The Reality of Running Safety for Women>> 05:20 Heartbreaking Stories of Women Runners>> 08:11 Precautions for Personal Safety>> 14:36 The Need for Safer Communities>> 18:48 Raising Awareness and ConclusionLINKS MENTIONED IN THE EPISODE:Self-defense running tool Go Guarded: https://goguarded.com/Garmin LiveTrack Feature: https://support.garmin.com/en-US/?faq=HbqxxbiBGA3mDhlLX4GUw8About Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

Welcome back to Yahweh's Money!In this episode, we dive deep into the hidden costs of higher education beyond tuition. I'm your host, Shay Cook, and I'm excited to introduce our new and improved format for more authentic, conversational discussions.Joining me is Adriana Lopez, a military veteran, Accredited Financial Counselor®️, and the inspiration behind our podcast! Together, we break down overlooked college expenses—dorm furniture, textbooks, transportation, and unexpected fees—while offering practical budgeting tips to help you plan wisely. Inspired by Proverbs 27:23, we encourage financial stewardship and mindful preparation for these hidden costs.Key Takeaways:Hidden Expenses Matter – College costs extend beyond tuition. Being aware of extra expenses can prevent financial surprises.Living Arrangements Impact Finances – Weigh on-campus vs. off-campus housing to determine the most cost-effective option.Smart Budgeting & Planning – Leverage student discounts, loyalty programs, and meal planning to stretch your budget and avoid unnecessary debt.Did we miss any hidden college costs? Let us know at yahweh@crusaders4change.org.Episode Sources:Proverbs 27:23What Is the Average College Tuition in 2025?FINRA FoundationAverage Cost of Food per Month for a College StudentStudents Save on UNiDAYSSend us a text

In this deeply personal episode of the Miko Love Podcast, host Kumiko Love shares her journey through grief following the unexpected loss of her mother. She discusses the challenges faced in navigating the autopsy process, the lack of information provided by hospitals, and the emotional turmoil that ensued.Kumiko advocates for legislative change through 'Shirley's Law,' aimed at ensuring families are informed of their rights and options regarding autopsies. The episode emphasizes the need for transparency and compassion in healthcare, especially during times of loss.SIGN & SHARE THE PETITIONhttps://chng.it/ZHYFSQqjv8EPISODE CHAPTERS00:00 Introduction to a Personal Journey01:30 The Unexpected Loss of a Loved One06:15 Navigating Grief and Autopsy Decision12:20 Advocating for Autopsy Rights15:50 Call to Action and Legislative ChangeAbout Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In the Season 6 premiere of Real Money, Real Experts, we're joined by 2025 Board President and our new co-host Dr. Brandy Baxter, AFC®️, the powerhouse behind Living Abundantly and Envision 30. As an Accredited Financial Counselor®️, financial coach, and strategic leader, Brandy helps individuals and organizations think from the future to achieve financial success. With a wealth of experience—including her service in the U.S. Air Force, leadership in financial education, and dedication to community building—Brandy brings a unique perspective on how forgiveness plays a crucial role in financial well-being.Join us as we discuss the power of community, the importance of elevating diverse voices in financial coaching, and how simple steps like storytelling can make planning for the future less intimidating. Brandy's insights will leave you inspired to take action, forgive financial mistakes, and embrace abundance.Tune in and take your seat at the table—because we're all more powerful when we come together.Show Notes:2:00 Introducing our new co-host...Dr. Brandy Baxter2:12 What led Brandy to AFCPE09:03 Brandy's hope for her presidency11:43 How serving on the AFCPE Board of Directors has impacted Brandy's journey15:59 Why the AFC matters20:02 Looking ahead for the future of Real Money, Real Experts22:33 Brandy's 2 centsShow Note Links: Connect with Brandy on Linkedin!Connect with Brandy on Instagram at  @brandys2cents4uWant to get involved with AFCPE®?Here are a few places to start: Become a Member, Sign up for an Essentials Course, or Get AFC Certified today! Want to support the podcast? We love partnering with organizations that share our mission and values. Download our media kit.

“The way of a fool is right in his own eyes, but a wise man listens to advice.” - Proverbs 12:15It's good to learn from your mistakes, but it's even better to learn from someone else's. Rachel Wong joins us today with three big financial mistakes that young adults often make…so you can avoid them.Rachel Wong is an Accredited Financial Counselor® and the creator of Open Hands Finance: a biblically-based content curriculum that teaches money skills to emerging adults.Money Missteps: 3 Easy Mistakes To Avoid As A Young AdultMoney management is a crucial skill, especially for young adults just starting their financial journey. Here are three key financial mistakes young adults often make and how to avoid them: 1. Waiting to Save for RetirementMany young adults think they'll start saving for retirement once they “make more money.” This delay can cost them valuable years of compound interest. Starting in your 20s is like taking a leisurely walk—manageable and effective. Waiting even a few years turns the journey into a sprint.Tip: Open a Roth IRA and start contributing small amounts monthly. Even $25 a month can grow significantly over time.2. Waiting to Start GivingSome believe they'll start giving once they earn a larger paycheck. But let's remember the story of the widow's mite. Despite her poverty, she gave anyway, reminding us of what it means to be faithful in our giving, regardless of our income.Tip: Begin giving a small, regular percentage of your income now. It's not just about generosity—it's about developing a habit that aligns your heart with God's abundance.3. Relying on Willpower for SavingsManually setting aside money every month can be challenging. That's why automating our savings can help when we struggle with consistency.Tip: Automate savings and retirement contributions. Set up a monthly transfer to ensure consistency, regardless of life's demands.Teaching Young Adults to Manage Money BiblicallyOpen Hands Finance combines biblical wisdom with actionable exercises, such as setting up a budget and opening a Roth IRA. The program includes a unique matching incentive—sponsored by parents, universities, or third parties—to encourage participation.The curriculum's student-led approach makes it relatable and impactful. It's not just theoretical; it equips participants with tools to live below their means, practice generosity, and plan for the future.If you're a college student or young professional—or know someone who could benefit—visit OpenHandsFinance.com to learn more about the curriculum and resources.Money is a resource God has entrusted to us. Managing it wisely allows us to live generously and reflect His abundance. Start today and set yourself on a path of faith-filled financial stewardship.On Today's Program, Rob Answers Listener Questions:What are your thoughts about a company called Thrivent Financial? Are they a reputable and trustworthy company that does a good job? Also, would moving around $150k from my 401(k) into an annuity with a 1.1% fee and a 6% guarantee be a good move?Can I do a home equity line of credit to pay off some of my debt, like a few credit cards and some accumulated bills?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly PublicationOpen Hands FinanceLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In this episode of the Miko Love Podcast, host Kumiko Love reflects on the significance of choosing a word for the year as a guiding principle for personal growth.She shares her own word for 2025, 'consistency,' and discusses how it has shaped her journey. Kumiko emphasizes the importance of small, consistent actions in achieving goals and encourages listeners to select their own words for the year, providing practical steps to do so.The episode concludes with a reflection on the past year and a motivational message for the new year ahead.KEY TAKEAWAYSChoosing a word for the year can be transformative.Small actions lead to significant results over time.Reflection on the past year is essential for growth.Your chosen word should resonate with your personal goals.It's important to show up for yourself consistently.Progress is not always linear; embrace the journey.Celebrating small victories is crucial for motivation.Creating a vision board can help keep your word visible.The new year is about continuing your journey, not starting over.IMPACTFUL QUOTES"Real change comes from the simple act of doing.""Progress isn't always linear and that's okay."EPISODE CHAPTERS>> 00:00 Introduction to the Miko Love Podcast>> 00:30 Reflecting on the New Year>> 01:54 The Tradition of Choosing a Word for the Year>> 03:51 Kumiko's Word for 2025: Consistency>> 07:42 Implementing Consistency in Daily Life>> 10:28 Choosing Your Own Word for the Year>> 12:50 Reflecting on 2024 and Looking Ahead to 2025About Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this reflective episode, Kumiko Love, the host of the Miko Love Podcast, shares insights from the first season, highlighting key moments, listener engagement, and the importance of community.She discusses standout episodes, including topics like invisible labor and investing for beginners, and emphasizes the lessons learned throughout her podcasting journey. Looking ahead, she teases exciting topics for season two, including mental health and financial empowerment, while expressing gratitude for her audience's support.KEY TAKEAWAYSThe podcast achieved over 35,000 downloads in its first season.Starting messy is better than not starting at all.Chasing perfection hinders progress in any journey.Season two will include new guests and solo episodes.Listener feedback is crucial for shaping future content.The journey continues even during the podcast break.EPISODE CHAPTERS>> 00:00 Reflecting on Season One>> 02:55 Key Takeaways from Notable Episodes>> 05:49 Looking Ahead to Season TwoAbout Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this episode, Joe welcomes back Air Force Veteran Lacey Langford, founder of MILMO, host of the MILMO podcast, and creator of MilMoneyCon. Lacey shares her transition journey from active duty, navigating the challenges of balancing her career with the demands of military life as a spouse. Determined to build a PCS-proof business, Lacey combined her passion for supporting the military community with her entrepreneurial spirit. Through MILMO, she's creating a supportive community for military families in the world of personal finance. This platform not only empowers service members but also unites a network of dedicated financial professionals who share a connection to military service. Lacey discusses the inspiration behind her podcast and the driving force behind founding MilMoneyCon. She explains how she continues to cultivate and grow this community year after year. MilMoneyCon offers a unique opportunity for financial professionals to connect, learn, and share their knowledge with the next generation of financial experts. The next MilMoneyCon will be held in San Antonio, TX, from May 15-17. Episode Resources:  MilMoneyCon MILMO About Our Guest    Lacey Langford is an Air Force veteran, military spouse, speaker, and financial coach who changes people's lives from being fearful of money to having control and confidence with it. She's an Accredited Financial Counselor® with over 15 years of financial planning, counseling, and coaching experience. Lacey's the founder of MILMO®, a community dedicated to helping the U.S. military with personal finance. She's the host of the MILMO® Show, a podcast that helps the military community make, save, and invest money wisely. Lacey is also the founder and CEO of MilMoneyCon™️, a national conference for financial professionals united by military service.   About Our Sponsors Navy Federal Credit Union   The holidays are upon us and all those travel and gift expenses are piling up. With Navy Federal Credit Union's NEW cashRewards Plus card you'll earn unlimited 2% cash back on every purchase. We use our Navy Federal cash rewards card for all of our purchases throughout the year. Another great thing about the NEW cashRewards Plus card is you never have to pay attention to changing spend categories. You can spend your 2% cash rewards on anything you want, not just everyday purchases. With a $2k spend you'll receive 200 dollars cash back and a Walmart Plus annual membership. They also never limit how much you can earn from your spending. Sound too good to be true? Learn more at here.  At Navy Federal, our members are the mission.        Join the conversation on Facebook! Check out Veteran on the Move on Facebook to connect with our guests and other listeners. A place where you can network with other like-minded veterans who are transitioning to entrepreneurship and get updates on people, programs and resources to help you in YOUR transition to entrepreneurship.   Want to be our next guest? Send us an email at interview@veteranonthemove.com.  Did you love this episode? Leave us a 5-star rating and review!  Download Joe Crane's Top 7 Paths to Freedom or get it on your mobile device. Text VETERAN to 38470. Veteran On the Move podcast has published 500 episodes. Our listeners have the opportunity to hear in-depth interviews conducted by host Joe Crane. The podcast features people, programs, and resources to assist veterans in their transition to entrepreneurship.  As a result, Veteran On the Move has over 7,000,000 verified downloads through Stitcher Radio, SoundCloud, iTunes and RSS Feed Syndication making it one of the most popular Military Entrepreneur Shows on the Internet Today.

In this episode of The Miko Love Podcast, host Kumiko Love uncovers the unseen world of invisible labor—the mental and emotional work that keeps households running yet often goes unrecognized.Kumiko explores the different forms of invisible labor, from the mental load of planning and organizing to the emotional labor of managing relationships. She dives deep into its emotional and societal toll, revealing how this imbalance disproportionately affects women and impacts families and communities.Through heartfelt insights and research-backed examples, Kumiko sheds light on why this hidden work matters and why it's time to start acknowledging and redistributing it. The episode wraps up with actionable strategies for fostering healthier relationships, creating equity at home, and valuing the labor we don't always see.IMPACTFUL QUOTES"Invisible labor is the mental load we carry.""You're not failing when you ask for help.""The work you do matters, even if unseen."KEY TAKEAWAYSInvisible labor is the mental load we carry.It often falls disproportionately on women.Invisible labor can cause burnout and resentment.Cognitive, emotional, and anticipatory labor are key types.Invisible labor affects mental health and relationships.Recognition of invisible labor is crucial for equity.Societal norms contribute to the invisibility of this labor.Open conversations can help redistribute responsibilities.Teaching children about shared responsibilities is vital.Asking for help is a sign of strength, not failure.EPISODE CHAPTERS00:00 Introduction to Invisible Labor 02:52 Understanding the Concept of Invisible Labor06:09 The Emotional Toll of Invisible Labor08:58 Types of Invisible Labor11:53 The Societal Impact of Invisible Labor15:11 Solutions and Moving ForwardAbout Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this episode of The Miko Love Podcast, Kumiko Love sits down with Jeremy Schneider, the founder of @PersonalFinanceClub, to make investing less intimidating and more accessible. Jeremy shares his inspiring journey from a struggling entrepreneur to achieving financial independence, offering straightforward strategies and lessons for anyone looking to build wealth.They cover:The essential steps to start investing and build confidence.Budgeting and living below your means to free up money for investments.How to use target date index funds and three-fund portfolios for a simple, effective investment strategy.The role of compound interest in accelerating wealth-building.Common investing mistakes to avoid, including chasing trends or market timing.Kumiko also introduces Hello Nectarine, Jeremy's new service designed to offer accessible, conflict-free financial advice, empowering listeners to take control of their finances with confidence.If you're ready to demystify investing and make smarter money moves, this episode is packed with practical tips and inspiration to help you get started.IMPACTFUL QUOTES"Live below your means, invest early and often.""Simplicity serves the individual investor."EPISODE CHAPTERS00:00 Introduction to Investing Basics 10:10 Key Principles of Wealth Building20:01 Understanding Investment Accounts30:06 Choosing Investments: Simplicity vs. Complexity39:00 The Three Fund Portfolio Explained45:11 The Power of Compound Interest48:07 Introducing Hello Nectarine: A New Financial ServiceABOUT JEREMYJeremy Schneider is a successful entrepreneur and personal finance expert! After starting an internet company in college and selling it at the age of 34 for over $5M and retiring at 36, Jeremy has dedicated his life to teaching personal finance. He founded Personal Finance Club, a community of champions of the individual investor who help further financial education and went on to found Nectarine, an advice-only financial advisor marketplace. Jeremy likes playing beach volleyball and writing bios about himself in the third person.Instagram: instagram.com/personalfinanceclub Website: personalfinanceclub.comAbout Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this episode of The Miko Love Podcast, host Kumiko Love, an Accredited Financial Counselor (AFC), sits down with Jessica Moorhouse, an Accredited Financial Counselor Canada (AFCC), to explore the unique aspects of their certifications and their shared passion for financial education.They discuss their journeys to becoming accredited, the challenges of working in financial counseling, and the importance of regulatory oversight in the industry. The conversation highlights the shift from one-on-one client work to broader educational efforts, emphasizing financial literacy, budgeting, and support for underserved communities.Jessica also shares insights from her upcoming book, delving into the emotional barriers to financial success and the importance of self-identity, happiness, and community in fostering a healthy relationship with money. EPISODE CHAPTERS00:00 Introduction to the AFC Designation02:46 The Unique Value of AFC Counseling06:02 Personal Journeys to Becoming AFCs09:11 The Importance of Financial Education12:03 Challenges in the Financial Counseling Field14:51 Navigating the Financial Industry Landscape17:57 The Role of Regulatory Bodies21:07 Transitioning from One-on-One to Mass Education26:21 The Foundation of Financial Education30:33 Understanding Yourself Before Your Money31:58 The Hidden Barriers to Financial Freedom36:37 The Toxic Relationship with Money40:52 Finding Happiness Beyond Financial Success45:47 The Importance of Self-Identity48:13 Book Release and Community ConnectionABOUT JESSICAJessica is a sought-after money expert, TV personality and speaker. She is an Accredited Financial Counsellor Canada®, an award-winning financial content creator and the host of the chart-topping More Money Podcast (4+ million downloads). As a personal finance educator for over 12 years, she has given presentations throughout North America and is regularly featured by major Canadian and US media including CBC News, CTV News, BNN Bloomberg, the Toronto Star, Forbes and USA Today. Her debut book Everything but Money: The Hidden Barriers Between You and Financial Freedom comes out on December 31, 2024 (HarperCollins Canada).  Website: https://jessicamoorhouse.com Podcast: https://jessicamoorhouse.com/podcast Book: https://jessicamoorhouse.com/boAbout Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this episode of the Miko Love Podcast, host Kumiko Love discusses the psychological tactics used by retailers during the holiday season that often lead consumers to overspend.She explores various marketing strategies such as scarcity, social proof, emotional marketing, and the influence of technology on consumer behavior. Kumiko also provides practical strategies for listeners to maintain a strict holiday budget and make intentional purchasing decisions, emphasizing the importance of experiences over material gifts.KEY TAKEAWAYSThe holiday season is filled with marketing tactics that can lead to overspending.Understanding consumer psychology can help you make informed decisions.Scarcity and urgency are powerful motivators in retail marketing.Emotional marketing plays a significant role in holiday spending.Awareness of your emotions is crucial to resisting unnecessary purchases.Retailers use anchoring to skew your perception of value.Door buster deals are designed to lure you into stores for bigger purchases.Countdown timers create a false sense of urgency to buy.Buy more, save more promotions often lead to unnecessary spending.Setting a strict holiday budget can help you avoid impulse purchases.EPISODE CHAPTERS>> 00:00 Navigating Holiday Spending: An Introduction>> 04:37 Understanding Marketing Tactics: The Psychology Behind Spending>> 09:04 Sneaky Sales Strategies: How Companies Manipulate Prices>> 14:12 The Role of Technology: Targeted Ads and Influencer Marketing>> 18:31 Staying Disciplined: Strategies for Smart Holiday SpendingAbout Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this episode of The Miko Love Podcast, host Kumiko Love and therapist Laura Caruso dive into attachment styles and their impact on relationships. They unpack the origins and types—secure, anxious, avoidant, and disorganized—and discuss how childhood experiences shape these patterns. The conversation highlights the importance of self-awareness, the potential for change, and the value of therapy in breaking generational cycles.Kumiko and Laura also explore the link between attachment styles and narcissism, the role of confidence in building secure relationships, and the complexities of parenting and emotional regulation. They share insights into overcoming fears as parents and emphasize the power of communication and seeking support for healthier relationships and family dynamics.EPISODE CHAPTERS>> 00:00 Introduction to Attachment Styles>> 02:49 Understanding Attachment Theory>> 06:04 Types of Attachment Styles>> 08:45 Impact of Childhood on Attachment>> 12:09 Identifying Your Attachment Style>> 15:04 Narcissism and Attachment Styles>> 17:58 Evolving Attachment Styles>> 21:09 Building Secure Attachments>> 23:30 Navigating Parenting Fears and Responsibilities>> 27:15 Understanding Attachment Styles in Relationships>> 31:34 The Impact of Life Events on Attachment Styles>> 38:00 Regulating Emotions and Seeking Reassurance>> 41:24 Attachment Styles and Major Life TransitionABOUT LAURALaura is a therapist and relationship expert based in New York City. She practices from a relational lens and prides herself as a down-to-earth and “no bullshit” therapist. She is working on a revolutionary, self-customized course called Wired for Connection (W4C) to help you reprogram attachment for stronger, healthier relationships, which launches December 1st. You can follow her on Instagram for updates about the launch, including major discounts for pre-registration.Instagram: https://www.instagram.com/lauracaruso.therapy/ Website: https://www.wellpsychnyc.com/ About Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this episode, we're thrilled to welcome Lacey Langford; a military wife, veteran, and the founder and CEO of MILMO, the home of military money and entrepreneurship. As an Accredited Financial Counselor with over 15 years of experience, Lacey founded MILMO to better educate the military community on financial readiness, planning, and small business ownership. Lacey dives into her story as a business owner and provides insight into how veterans can successfully launch their businesses. She also focuses on the science of goal setting and how your mindset can positively impact the success of your small business. Take advantage of this amazing opportunity to hear from an expert in financial planning and veteran entrepreneurship!Ready to Take Your Entrepreneurial Journey to the Next Level?If you're a Veteran or Military-Spouse entrepreneur looking for mentorship and support, don't miss out on ACP Ventures! This new entrepreneurial mentorship program offers 1:1 yearlong mentorship with an industry expert and access to the ACP Village, where you'll find on-demand resources, support, and community.Sign up today at ACP Ventures — your next breakthrough could be just around the corner!Support the show

In this episode of the Miko Love podcast, host Kumiko Love delves into the complex topic of spending guilt, exploring its emotional and psychological roots, societal pressures, and practical strategies to overcome it. Kumiko emphasizes the importance of reframing one's mindset about spending, viewing money as a tool for enhancing life rather than a source of stress. She provides actionable strategies such as value-based spending, creating a guilt-free spending fund, and practicing gratitude to help listeners cultivate a healthier relationship with their finances.IMPACTFUL QUOTES"Spending is often equated with recklessness.""Spending money isn't a moral failing.""Money is a tool, and it is meant to be used.""Embrace the concept of enough to let go of guilt."EPISODE CHAPTERS>> 00:00 Introduction to Spending Guilt>> 03:07 Emotional Roots of Spending Guilt>> 05:53 Psychological Factors Behind Spending Guilt>> 09:09 Societal Pressures and Spending Guilt>> 11:52 Reframing Your Mindset on Spending>> 15:08 Practical Strategies to Overcome Spending Guilt>> 17:53 Conclusion and Key TakeawaysKEY TAKEWAYSSpending guilt is a common emotional experience.Upbringing influences our beliefs about money and spending.Societal pressures equate financial responsibility with frugality.Spending can be part of a healthy financial life.Recognizing money as a tool can shift your mindset.Value-based spending aligns purchases with personal values.Practicing gratitude can reduce feelings of guilt after spending.Tracking emotional spending triggers helps identify patterns.Embracing the concept of enough can alleviate spending guilt.Intentional spending enhances financial well-being.About Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this episode of the Miko Love Podcast, host Kumiko Love delves into the pervasive issue of comparison, particularly in the context of social media. She discusses how comparison can rob individuals of joy and self-worth, leading to anxiety and distress.Kumiko emphasizes the importance of embracing one's unique journey and offers actionable strategies to combat the negative effects of comparison, including practicing gratitude, setting personal goals, and limiting social media exposure. The episode encourages listeners to focus on their own growth and celebrate their achievements, no matter how small.IMPACTFUL QUOTES"Comparison really is the thief of joy.""You're comparing your entire full story to someone else's edited version.""Gratitude is a powerful antidote to envy."EPISODE CHAPTERS>> 00:00 Introduction to Comparison and Its Impact>> 06:02 The Role of Social Media in Comparison>> 12:14 Embracing Your Unique Journey>> 17:54 Strategies to Overcome ComparisonKEY TAKEWAYSComparison is harmful and can chip away at self-worth.Social media often presents a highlight reel, not reality.Gratitude shifts focus from lack to abundance.Your journey is unique; stop measuring against others.Limit social media exposure to reduce comparison triggers.Celebrate your own wins, no matter how small.Surround yourself with positive influences.Mindfulness helps refocus on your own path.Setting personal goals aligned with values is key.Digital detox can provide mental space for self-reflection.About Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

Dr. Brandy Baxter | Ph.d | Financial Coach | Financial Futurist Summary: Dr. Brandy Baxter's journey into financial coaching started with an unlikely spark: The Three Little Pigs. This childhood tale inspired her to help women build financial confidence and resilience, much like the pigs who learned to build a stronger house. Her book, rooted in the idea of taking control of your financial future, dives deep into how the right support can transform not just your bank balance, but your entire mindset about money. Dr. Baxter offers a fresh take, emphasizing that it's not just about having a plan—it's about finding the confidence to act on it. She talks about the power of coaching in creating lasting change, but what really makes her approach different? It might have something to do with the way she helps people connect emotionally to their financial goals, turning intimidating tasks into meaningful steps forward. Dr. Baxter's story raises the question: What if your financial journey could be about more than numbers—about building something resilient like those three little pigs learned to do? BIO:Brandy is the Owner and Founder of Envison30 where she coaches couples to shift their mindset and bring future financial goals into present reality. Brandy is an Accredited Financial Counselor®, a Financial Fitness Coach®, has a B.A. in Communication, a M.S. in Management, a Graduate Certificate in Executive Coaching, and is currently pursuing a Doctorate degree in Strategic Foresight. She is the author of the book, The Three Little Divas™ Reach Your Money Goals in 3 Steps Before You Huff and Puff and Blow Your Next Paycheck Away, a book about three women and their money personalities. Highlights: Financial coaching helps individuals gain confidence in managing their finances and take action. Coaching focuses on implementation and helping clients make decisions that align with their values. Financial coaching creates a safe and non-judgmental space for clients to explore their thoughts and feelings about money. Empathy and forgiveness are essential in the coaching process to support clients in their financial journey. Financial coaching should be a partnership, with the client as the expert in their own life. Visualization exercises can help clients connect emotionally with their goals. Support and accountability are crucial for implementing sustainable changes. Hold money loosely and use it as a tool to add fulfillment to life. Quotes: "Coaching allows clients to uncover for themselves what is best for themselves." "It's less about what I think and more about what you know." Links: Brandy's Linkedin: CLICK HERE Brandy's website: CLICK HERE

In this episode of the Miko Love Podcast, host Kumiko Love dives into a variety of topics centered around personal finance, budgeting, and the journey of financial fulfillment. She shares her own experiences as The Budget Mom, discusses the importance of motivation versus self-discipline in budgeting, and offers insights on balancing family spending with long-term financial goals. Kumiko also emphasizes the significance of teaching children about money management, shares success stories from her community, and provides practical advice on building an emergency fund and handling joint finances in relationships.KEY TAKEAWAYSFinancial freedom and financial fulfillment are two different concepts.Staying motivated in budgeting requires self-discipline and routine.Life events can shift your perspective on spending and saving.Sinking funds help manage holiday spending stress-free.Teaching kids about money involves showing them how to provide value.EPISODE CHAPTERS>> 00:00 Introduction to the Miko Love Podcast>> 01:26 The Journey of The Budget Mom>> 09:22 Staying Motivated on a Budget>> 15:27 Balancing Family Spending and Long-Term Goals>> 20:04 Managing Holiday Spending with Sinking Funds>> 25:18 Teaching Kids About Money>> 30:00 Success Stories from the Budget Mom Community>> 34:15 Building an Emergency Fund>> 38:13 Handling Joint Finances in RelationshipsAbout Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this episode of the Miko Love Podcast, host Kumiko Love engages with spending coach Paige Pritchard to explore the emotional and psychological aspects of spending.They discuss how emotional triggers, such as boredom and sadness, lead to impulse shopping and overspending. The conversation emphasizes the importance of self-awareness, understanding one's triggers, and developing healthier spending habits.They also touch on the impact of social media on consumer behavior and the value of delayed gratification in financial decision-making. The episode concludes with practical advice for listeners on how to navigate their spending habits with compassion and understanding.IMPACTFUL QUOTES"Emotional spending will always be part of our lives.""100% of the spending that you do is emotional spending.""Boredom is probably the most common trigger."EPISODE CHAPTERS>> 00:00 Introduction to Emotional Spending>> 02:47 Understanding Emotional Triggers>> 06:08 The Role of Environmental Triggers>> 08:54 Identifying Internal and External Triggers>> 12:14 The Three A's of Spending Awareness>> 15:04 Creating Healthy Spending Habits>> 18:00 The Importance of Delayed Gratification>> 20:50 Social Media's Impact on Spending>> 23:52 Finding Balance in Retail Therapy>> 26:47 Conclusion and ResourcesABOUT PAIGEPaige Pritchard is a spending coach who helps women overcome impulse shopping and overspending. After struggling with her own spending habits and blowing through her $60,000 salary at 22, she turned her finances around by paying off $40,000 in student debt, cash flowing her MBA, and building a six-figure investment portfolio by 29. A certified life coach since 2020, Paige now coaches thousands of women through her podcast, The Money Love Podcast, and her group coaching membership, Overcoming Overspending. Her work has been featured in NBC News, The Washington Post, BuzzFeed, and more.Instagram: @overcoming_overspendingPodcast: The Money Love PodcastFree Masterclass: Why You Impulse Shop & How To StopWork with Paige: Overcoming Overspending MembershipAbout Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

Julianne Miller, AFC is an Accredited Financial Counselor and coach who is dedicated to helping her clients develop financial confidence. She loves helping clients, who initially feel financially disorganized, create a simple system for their money that puts them in control. Julianne's approach allows her clients to quickly begin paying down debt, starting to save and stop feeling stressed or overwhelmed about money. She understands that life obstacles often get in the way of money, so she focuses on both the practical and the emotional side of money. Julianne's Website: Life Money Management From James: FREE Passive Income Masterclass (profityourknowledge.com)

Debra Jacobs, founder of Money Smart for Life, is a financial coach who helps people overcome shame, fear, and overwhelm around money and take action to master their personal finances. She also teaches financial education classes and presents financial wellness workshops to groups across the U.S. Debra holds an Ed.M. from the Harvard Graduate School of Education and is an Accredited Financial Counselor; she lives in the Boston area but works online with people all over the U.S. To find out more, go to https://moneysmartforlife.com or send an email to debra@moneysmartforlife.com. For additional information about financial education classes, go to https://moneysmartforlife.com/financial-education-classes/. Cody's content:  https://linktr.ee/cjones803  #podcast #purewisdompodcast #personalgrowth #motivation #mindset #facingfears #selfidentity #inspiration #selfimprovement #psychology #entrepreneurship #fitness #fitnessmotivation #business #dating #relationships #lifecoach #healthandwellness  Disclaimer: Any information discussed in this podcast is for entertainment purposes only and is not intended to act as a substitute for professional, medical, legal, educational, or financial advice. The following views and opinions are those of the individual and are not representative views or opinions of their company or organization. The views and opinions shared are intended only to inform, and discretion and professional assistance should be utilized when attempting any of the ideas discussed. Pure Wisdom Podcast, LLC, its host, its guest, or any company participating in advertising through this podcast is not responsible for comments generated by viewers which may be offensive or otherwise distasteful. Any content or conversation in this podcast is completely original and not inspired by any other platform or content creator. Any resemblance to another platform or content creator is purely coincidental and unintentional. No content or topics discussed in this podcast are intended to be offensive or hurtful. Pure Wisdom Podcast, LLC, its host, its guest, or any company participating in advertising through this podcast is not responsible for any misuse of this content.

In this episode of the Miko Love Podcast, host Kumiko Love dives into the world of sourdough baking with expert Andra Stefanescu. They discuss the journey of sourdough, its health benefits, and the rise in popularity during the COVID-19 pandemic. Andra shares her personal experiences, tips for beginners, and the importance of understanding the process behind sourdough baking. The conversation also touches on the mental health benefits of baking, the essential tools and ingredients needed, and the significance of community support in starting this rewarding hobby.EPISODE CHAPTERS>> 00:00 Introduction to Sourdough Passion>> 05:24 Andra's Sourdough Journey>> 11:10 The Rise of Sourdough During COVID>> 16:55 Health Benefits of Sourdough>> 21:36 Getting Started with Sourdough>> 27:23 Essential Tools and Ingredients>> 32:03 Achieving the Perfect Crust and Crumb>> 39:40 Understanding Sourdough Discard>> 43:26 Coaching and Classes in Sourdough Baking>> 50:33 Mental Benefits of Sourdough BakingYou can watch me make sourdough here!ABOUT ANDRAAndra Stefanescu is a self taught sourdough home baker, passionate not only about making bread, but also about helping others get on the sourdough journey or improve their bakes.She's been making sourdough bread for 5 years, as nothing quite compares to it. It's the joy of a fresh warm loaf of bread and sharing it with others, controlling what goes in, the health benefits, but also the therapeutic effect of handling dough. And above all, it's fascinating how with just three ingredients, water, flour and salt, you can make the most delicious bread at home.Andra is offering Online Sourdough Courses, as well as One to One Coaching for those having very specific questions or challenges they need support with.Follow Andra on Instagram!About Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

Holly Morphew is an international speaker, award-winning financial coach, and multi-generational entrepreneur. She is the Founder of Financial Impact, a specialized financial coaching practice that helps entrepreneurs and professionals create personal wealth and financial independence.  At the age of 20 Holly was diagnosed with a chronic illness which required very expensive medication to treat and led to $67k of credit card debt. After doing mental accounting for many years she intensely studied wealth creation, personal finance, entrepreneurship, and investing.  She created a system, applied it to her personal finances, and eliminated her debt in 3 years and became financially independent in her 30s. At the same time, she overcame the disease doctors said would never go away using alternative healing modalities.   A pioneer financial coach, Holly began teaching personal finance in 2006 as a service project with Rotary International. She received the prestigious “Rotarian of the Year” award for her work in financial literacy and has been recognized for “Bridging the Gap” for outstanding work in private practice as an Accredited Financial Counselor®. Holly's work has been featured in Forbes, Business Insider, Yahoo Finance, HerMoney, and more. She is the host of The Wealth Trifecta podcast and author of the best-selling book Simple Wealth, which was featured on Bankrate's top ten personal finance books of 2022.  Holly Morphew now travels the world speaking and coaching to help men and women create a life of design. Contact Holly Morphew: book Simple Wealth website www.financialimpact.com Dr. Kimberley Linert Speaker, Author, Broadcaster, Mentor, Trainer, Behavioral Optometrist Event Planners- I am available to speak at your event. Here is my media kit: https://brucemerrinscelebrityspeakers.com/portfolio/dr-kimberley-linert/ To book Dr. Linert on your podcast, television show, conference, corporate training or as an expert guest please email her at incrediblelifepodcast@gmail.com or Contact Bruce Merrin at Bruce Merrin's Celebrity Speakers at merrinpr@gmail.com 702.256.9199 Host of the Podcast Series: Incredible Life Creator Podcast Available on... Apple: https://podcasts.apple.com/us/podcast/incredible-life-creator-with-dr-kimberley-linert/id1472641267 Spotify: https://open.spotify.com/show/6DZE3EoHfhgcmSkxY1CvKf?si=ebe71549e7474663 and on 9 other podcast platforms Author of Book: "Visualizing Happiness in Every Area of Your Life" Get on Amazon: https://amzn.to/3srh6tZ Website: https://www.DrKimberleyLinert.com The Great Discovery international eLearning platform: https://TheGreatDiscovery.com/kimberley

In this episode of the Miko Love Podcast, host Kumiko Love interviews Randi Orm, an accomplished ultra marathon runner and coach. They discuss Randi's inspiring journey in running, the emotional connections to the sport, and the importance of mental toughness.Kumiko shares her own running experiences and goals, including her transition from casual running to preparing for her first marathon and aspirations for ultra marathons. The conversation also touches on balancing running with life commitments, nutrition for endurance athletes, and the challenges faced during Randi's participation in the reality show Race to Survive New Zealand. The episode concludes with a powerful message about the transformative impact of running on personal growth and emotional healing.IMPACTFUL QUOTES"You don't need to be fast or go far to be a runner."EPISODE CHAPTERS>> 00:00 Introduction to the Miko Love Podcast>> 05:19 Meet Randi Orme: A Running Inspiration>> 08:39 The Emotional Connection to Running>> 14:51 Starting Your Running Journey>> 18:39 Building Mental Toughness in Running>> 38:55 Balancing Running with Life Commitments>> 49:57 Transitioning from Marathon to Ultra Marathon>> 01:15:27 Challenges Faced on Race to Survive New Zealand>> 01:23:03 The Impact of Running on LifeKEY TAKEWAYSConsistency is key when starting a running journey.It's okay to walk during a race; it doesn't make you less of a runner.Nutrition plays a crucial role in endurance training.ABOUT RHANDIRhandi Orme is a dedicated running coach and personal trainer with over 21 years of experience, residing in Northern Utah with her husband and five kids. As an ultra marathon champion and accomplished athlete, Rhandi has set impressive personal records, including a 1:23 half marathon, a 3:03 marathon, and an 18-hour 100-miler. She's also an ironman triathlete and mountaineer.Beyond her athletic achievements, Rhandi was a cast member on the hit USA Network TV show "Race to Survive New Zealand." When she's not coaching or running, you can find her enjoying the outdoors with her family, cooking, baking, or diving into a good book.Check out Rhandi's website for more details on her coaching program, where she helps runners of all levels achieve their personal bests and conquer new challenges!About Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this special episode, Kumiko Love answers your most pressing questions submitted by listeners! From budgeting tips and financial strategies to personal insights and life advice, Miko dives deep into the topics that matter most to you. Tune in for a candid, informative, and inspiring conversation tailored to your curiosities and concerns.Today's questions include:The hardest part of being an entrepreneur: Kumiko shares the challenges she faces in running her business.Best high-yield savings accounts: She provides recommendations for high-yield savings accounts.Next dream to conquer: Kumiko discusses her next personal or professional goal.Buy now, pay later options: She offers insights into using buy now, pay later services.Favorite Peloton instructors: Kumiko shares her top Peloton instructors and how they motivate her.Challenges of being a mom: She talks about balancing motherhood with other responsibilities.Starting over on a debt-free journey: Kumiko provides advice for those starting over in their journey to become debt-free.Managing finances with ADHD: She discusses strategies for managing finances while living with ADHD.Applying money to debt after paying bills: Kumiko explains how to allocate funds toward debt after covering monthly expenses.Journey towards minimalism: She shares her experiences and progress toward adopting a minimalist lifestyle.Setting clear financial goals: Kumiko emphasizes the importance of setting clear and actionable financial goals.High-Yield Savings AccountLooking for a safe and smart way to grow your savings? I personally use and love Ally's High-Yield Savings Account. With competitive interest rates, zero monthly maintenance fees, and easy access to your funds, it's a great option for anyone looking to maximize their savings without any hassle. Whether you're saving for a big goal or just want to see your money work harder for you, Ally makes it simple to stay on top of your financial game.Learn more about Ally High-Yield Savings Accounts HEREEPISODE CHAPTERS>> 00:00 Introduction and Overview>> 00:51 The Challenges and Rewards of Being an Entrepreneur>> 06:06 Choosing the Best High-Yield Savings Account>> 11:22 Conquering Dreams: Early Retirement and Homesteading>> 15:24 Favorite Peloton Instructors: Jess Sims and Rebecca KAbout Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this episode, Kumiko Love discusses the importance of setting boundaries in various areas of life, including emotional, mental, physical, financial, and personal. She shares her personal journey and struggles with setting boundaries and provides practical tips for establishing and maintaining them. Kumiko emphasizes the significance of saying no without guilt, walking away from toxic relationships, giving oneself permission to have privacy, prioritizing time and energy, making self-care a non-negotiable, and setting financial boundaries. She also encourages listeners to embrace the courage to disappoint others and prioritize their own well-being.IMPACTFUL QUOTES"Setting boundaries is self-care.""When you say no to something that doesn't serve you, you're saying yes to something that does.""It's okay to love someone from afar."EPISODE CHAPTERS>> 00:00 Introduction and Overview>> 03:19 The Power of Setting Boundaries>> 05:17 Saying No Without Guilt>> 09:38 Walking Away from Toxic Relationships>> 12:29 Giving Yourself Permission to Have Privacy>> 18:17 Prioritizing Time and Energy>> 20:40 Making Self-Care Non-Negotiable>> 25:28 Setting Financial Boundaries>> 28:37 Embracing the Courage to Disappoint Others>> 31:00 ConclusionMy Journey to Buying My Dream Home With CashAbout Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this episode of The Miko Love Podcast, Kumiko Love chats with C-section recovery specialist Nicole Alfred.Nicole opens up about her personal journey, emphasizing the importance of scar massage, proper postpartum care, and the challenges of both physical and emotional recovery.They also tackle societal pressures to "bounce back" after childbirth and highlight the significance of self-care and mental well-being. Nicole offers valuable tips on preparing for a C-section, creating a birth prep ritual, and shares resources to support C-section recovery.IMPACTFUL QUOTES"When you learn to accept and process what you've been through, you don't look at your body as a failure. You look at it as a powerful tool that helped to bring this baby earth side."EPISODE CHAPTERS>> 00:00 Introduction and Personal Experience with Traumatic C-Section>> 02:20 The Importance of C-Section Scar Massage>> 03:46 Societal Pressure to Bounce Back After Childbirth>> 11:33 The Need for Better Postpartum Care for C-Section Moms>> 27:37 Accepting and Celebrating the Post-C-Section Body>> 29:00 Rehabilitation and Support: The Key to Successful C-Section Recovery>> 39:00 Preparing for a C-Section: Creating a Birth Prep Ritual>> 41:40 Nurturing Yourself During C-Section Recovery>> 44:25 Resources for C-Section Recovery: Nicole's Programs and SupportABOUT NICOLE ALFREDNicole Alfred is a cesarean recovery coach, registered massage therapist, and mother of three. She has given birth three times by C-section: one emergent and traumatic, the other two empowered and planned.Her different experiences opened her eyes to the lack of support mothers receive post-operatively. Nicole sees a need for much more emotional and physical attention. Nicole believes there are important steps that new mothers need to take, beginning immediately after surgery and continuing through the first 12 weeks postpartum, to optimize their recovery.These steps include restoring normal function with everyday movements, wound & scar healing, core muscle system recovery, and connecting with the incision scar to facilitate emotional processing and healing.Get her FREE Belly Shelf Guide here or go to her website!About Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this episode of The Miko Love Podcast, Kumiko dives into the growing threat of data breaches and identity theft, a concern that's becoming all too common as companies face increasing security challenges. She shares practical steps to safeguard your money and assets, including freezing your credit, using two-factor authentication, and staying vigilant for signs of compromise. Kumiko also clarifies the difference between a credit freeze and a credit lock, and stresses the importance of regularly checking your credit report. Tune in to learn how to take proactive measures to protect yourself and minimize the impact of potential data breaches. TAKEAWAYSFreeze your credit with all three major credit bureaus to prevent criminals from accessing your financial accounts and opening new ones in your name.Implement two-factor authentication for all your online accounts to add an extra layer of security.Regularly monitor your credit and be vigilant for any signs of compromise, using tools like Credit Karma for notifications and pulling your credit report.Choose a credit freeze over a credit lock, as freezes offer more legal protections and are free of charge.Contact each of the three major credit bureaus — Equifax, Experian and TransUnion — individually to freeze your credit:Equifax: Call the automated line at 800-349-9960 or customer care at 888-298-0045, or go online.Experian: Go online to initiate, or for information call 888‑397‑3742. TransUnion: Call 800-916-8800 or 888-909-8872, or go online. Request copies of your credit report from the main credit reporting agencies – Equifax, Experian, and TransUnion  – and examine them for any unexplained accounts opened in your name. You are entitled to order a free copy of your credit report from each of the major credit reporting agencies every 12 months through AnnualCreditReport.com.Get free identity monitoring with Credit Karma here! About Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

A PCS or Permanent Change of Station impacts every part of your life, including your finances and jobs. Understanding the basics of PCSing can help you avoid costly mistakes and maybe make some money on it.  In this episode, Kate Horrell breaks down the financial basics of a PCS, the allowances provided by the DoD for your move, and advice to make everything go smoother.  Kate is an Accredited Financial Counselor®, Chartered Financial Consultant®, Military Qualified Financial Professional, and founder of Kings High Media. She creates personal finance content that helps our military and veteran community make the most of their pay and benefits. In addition to being a financial expert, Kate knows a thing or two about being a military spouse and PCSing. She's been married to a now-retired sailor for 30 years, corralling four girls and two cats across four OCONUS tours and a handful of homes in the US. Show notes and resources: https://milmo.co/podcast/pcsing

In this special episode, Kumiko Love answers your most pressing questions submitted by listeners! From budgeting tips and financial strategies to personal insights and life advice, Miko dives deep into the topics that matter most to you. Tune in for a candid, informative, and inspiring conversation tailored to your curiosities and concerns. Today's questions include:Managing a Large Social Media Following: Kumiko discusses the challenges of handling a large audience and the difficulty of keeping up with messages and comments.Mastering New Skills: She shares her drive to quickly learn and master new skills, and how this has shaped her journey.Starting a Natural Skincare Business: Kumiko talks about her passion for natural skincare and the process of launching her own business.Saving Past Expense Trackers: She emphasizes the importance of keeping past expense trackers and how they can aid in maintaining a budget.Work-Life Balance: Kumiko offers advice on finding balance between work and personal life, drawing from her own experiences.Love for Running: She shares insights into her running routine and how it contributes to her well-being.Son's Transition to Big Brother: Kumiko talks about her son's new role as a big brother and how the family is adjusting.Debt-Free Journey Advice: She concludes the episode with practical advice for those currently navigating their debt-free journey.EPISODE CHAPTERS>> 00:00 Introduction and Purpose of the Episode>> 05:21 Finding Drive and Motivation>> 20:31 Running as a Replacement for Emotional Spending>> 35:24 Advice for the Debt-Free Journey>> 39:11 Conclusion and Call to ActionAbout Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

Kumiko discusses the challenges of increasing income for single moms and the importance of negotiation with Fotini Iconomopoulos, the negotiator. Fotini shares her background and negotiation strategies, emphasizing the 'say less' mentality. She provides valuable advice on preparing for salary negotiations and the significance of nonverbal communication in negotiation settings. In this conversation, Fotini Iconomopoulos shares valuable insights on negotiation skills, body language, and self-advocacy. She emphasizes the importance of confidence, preparation, and strategic communication in negotiation scenarios. Fotini also provides practical exercises and advice for women in salary negotiations. The conversation concludes with information on where to find Fotini's book and additional resources.IMPACTFUL QUOTES"Take that power pose and you will get a lot more.""The two most powerful words in negotiation are 'based on'.'""I want you to psych yourself up instead of psyching yourself out."EPISODE CHAPTERS>> 00:00 Introduction and Audience Overview >> 03:20 Empowering Single Moms: Increasing Income Challenges >> 08:23 The 'Say Less' Mentality in Negotiation>> 15:58 Preparing for Salary Negotiations: 'Feel Good' Folder Approach>> 51:33 Practical Exercises for Improving Negotiation SkillsABOUT FOTINIBest-selling author of HarperCollins' “Say Less, Get More: Unconventional Negotiation Techniques to Get What You Want” Fotini Iconomopoulos is the person Fortune 50 executives call into to help with their high stakes negotiations or to empower their teams through her intensive workshops on negotiation, communication and persuasion.Fotini occasionally returns to the classroom as an instructor of MBA Negotiations at the Schulich (SHOE-lick) School of Business at York University in Toronto. She's a regular media guest on outlets including CBC, Forbes and Harvard Business Review, she's been recognized with a number of awards including a Top 40 under 40 award.You can learn more about her work and find more of her tips at www.fotiniicon.com or get her book here!About Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

"Would you believe that all of those things are part of the AFC program? It's like a warm, fuzzy blanket that I wear at night."Jessica Medina is not throwing away her shot.This week on Real Money, Real Experts, we welcome Jessica Medina, a dedicated Accredited Financial Counselor®️ who transitioned from a career in law to follow her true passion. Jessica's journey highlights the power of embracing life's unexpected paths and finding fulfillment in new dreams.In this episode, Jessica shares her inspiring story of letting go of one dream to pursue another, and how she discovered her true calling in financial coaching. She discusses the importance of following the path life presents to you, even when the answers aren't clear at first, especially when starting a private practice. Join us for a heartfelt conversation on finding your path, embracing uncertainty, and the impact of personal passions on professional success.Show Notes: 2:00 The Hamiltune's are back!03:37 Jessica's transition from law to pursuing her passion06:34 The secret to starting your private practice09:02 Unlocking the entrepreneur mindset11:41 How collaboration & networking are your secret weapon 15:43 The power behind stepping outside of your comfort zone 18:31 Why you need to set boundaries 21:18 What led Jessica to the AFC 27:29 Handling life's transitions & saying yes 30:17 Jessica's 2 centsShow Note Links: https://www.jessicamedinallc.com/studentloanseries Website: https://www.jessicamedinallc.com/ LinkedIn: https://www.linkedin.com/in/jessicamedinallc Facebook page: https://www.facebook.com/jessicamedinallc Instagram: @jessicamedinallc YouTube: https://www.youtube.com/channel/UC9_kStA0zw2Want to get involved with AFCPE®?Here are a few places to start: Become a Member, Sign up for an Essentials Course, or Get AFC Certified today! Want to support the podcast? We love partnering with organizations that share our mission and values. Download our media kit.

In this conversation, Kumiko interviews Danielle Remigio about grief and loss, sharing their personal experiences of losing their parents and the challenges they faced. Inspired by Danielle's TEDx talk, 'Cleaning Up the Grief Process,' they discuss grief clutter and the importance of creating space for grief.The conversation highlights the need for open communication, empathy, and support when dealing with grief. They explore acknowledging and accepting grief, the role of support from loved ones, unexpected emotions, and the impact of milestones. They also offer advice for those navigating the grieving process.  IMPACTUFL QUOTES"I need to not stay silent and try to bottle it all up because other people don't know how to react." "Grief is not something that is linear"EPISODE CHAPTERS>>00:00 Introduction and Personal Stories of Loss>> 06:58 Cleaning Up the Grief Process: Navigating Loss and Grief>> 14:01 Understanding Grief Clutter: Emotional and Practical Burdens>> 21:00 Navigating the Complexities of Grief>> 25:49 The Importance of Support and Validation>> 29:00 Unexpected Emotions and the Anger Phase>> 32:07 The Impact of Milestones and Reminders>> 35:12 Evolving Perspectives on Grief>> 38:16 Advice for Navigating the Grieving Process ABOUT DANIELLE Danielle Remigio (she|her) is a Boston, MA based higher education administrator with a background in psychology, crisis response, and college student development.After losing both her parents within 18 months in 2016/17, she turned her personal focus to understanding her own grief and created a TEDxTalk called CLEANing Up the Grief Process to help others understand their grief and how to help others through difficult times. Her professional motto is "Analyze, Individualize, Empathize". Through empathy, intentionality, and a good plan, we can help one another through the darkness. DANIELLE'S LINKS & RESOURCESTo connect with Danielle, follow her at @dl_remigio on Instagram or https://www.linkedin.com/in/dlynremigio/ for information on how to work with her for training, speaking, or writing engagements. About Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

The Miko Love Podcast is where curiosity meets conversation. I'm Kumiko Love, also known as The Budget Mom, and I'm excited to take you on this journey. This podcast delves into a diverse range of topics beyond personal finance.I'll be sharing personal stories and engaging in thought-provoking discussions on subjects such as homesteading, sourdough, grief, postpartum care, mental health, entrepreneurship, and so much more.My goal is to encourage a holistic approach to financial decisions, aligning choices with your values, goals, and aspirations. I'll be bringing on expert guests to provide informative and realistic conversations. This podcast is your platform for personal growth, connection, and positive change. TAKEAWAYSThe Miko Love podcast goes beyond personal finance and explores a wide range of topics that ignite curiosity and inspire.Financial decisions should be aligned with values, goals, and aspirations, taking a holistic approach to life.The podcast aims to provide informative and realistic conversations, featuring expert guests to share their knowledge and insights.The podcast serves as a catalyst for personal growth, connection, and positive change in listeners' lives.EPISODE CHAPTERS>> 00:00 Introduction to the Miko Love Podcast>> 02:19 Diving into the World of Discovery>> 03:17 True Wealth Beyond Financial Success>> 05:44 Aligning Financial Decisions with Life>> 08:37 Overcoming Fear and Taking Action>> 10:02 Real and Honest Conversations>> 13:52 Catalyst for Personal Growth and Positive ChangeAbout Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

Send us a Text Message.Jackie Cummings Koski, is a personal finance educator & consultant. After overcoming poverty, divorce & single motherhood, Jackie reached F.I.R.E. in her 40s, making less than six figures. Before retiring, she grew her wealth to over $1 million and her story and personal finance tips have been featured on CNBC, Forbes, and Market Watch. She holds the Certified Financial Planner and Accredited Financial Counselor credentials. Her commitment to educating and empowering Americans in the area of personal finance earned the policymakers and was officially recognized with a Congressional Commendation for her accomplishments in the field of financial literacy from the US House of Representatives.Be a guest on the show:https://www.financiallyindependentteachers.com/contact-8Check out our website:https://www.financiallyindependentteachers.com/Sign up for FIT coaching:https://www.financiallyindependentteachers.com/services-4

WELCOME TO THE MIKO LOVE PODCAST!This is a space where curiosity meets conversation. I'm your host, Kumiko Love, and when I am not educating about personal finance as The Budget Mom, I'm here diving into the exploration of my own passions and exploring a range of captivating topics.Every Wednesday, join me as we explore a range of topics that ignite curiosity and inspire learning. Whether I'm sharing personal insights in solo episodes or diving deep with expert guests, this podcast is your go-to for fresh perspectives and engaging discussions about life.The Miko Love Podcast thrives because of your support. Here's how you can help us grow and spread the word:Follow @TheBudgetMom on social media (links below).Subscribe to the podcast on your favorite platform—multiple platforms if you can!Leave us a review. Reviews significantly boost podcasts and help us reach more listeners. If you're unsure what to write, share what currently interests you right now! This could be a hobby, passion, or new life adventure!About Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

This week, we welcome Jasmine Johnson, Accredited Financial Counselor®️, Entertainment Accountant, and Mental Health Advocate to Real Money, Real Experts. Jasmine has spent over a decade empowering individuals and families to transform their financial mindset and achieve Financial Independence. In this episode, Jasmine shares how growing up in poverty influenced her own money story, and how it's made a difference in the way she supports clients. She talks about how embracing life's unexpected turns can lead you exactly where you need to be. Tune in for a compelling discussion on personal growth, financial empowerment, and the journey to self-discovery. Show Notes:02:18 Jasmine's journey to the AFC08:51 The beginning of Jasmine's money story11:29 How emotions and finances intertwine13:09 Uncovering your money story17:47 What led Jasmine to opening her own business20:33 The importance of being a life long learner22:41 Jasmine's 2 centsShow Notes Links:https://www.square1accounting.com/yourresources Thinking, Fast and Slow by Daniel Kahneman - https://a.co/d/fM1j5y4 Financial decisions 90% emotions IG: jasmine_themoneycoach YT: jasmine_themoneycoach website: www.square1accounting.com https://www.square1accounting.com/yourresources Want to get involved with AFCPE®?Here are a few places to start: Become a Member, Sign up for an Essentials Course, or Get AFC Certified today! Want to support the podcast? We love partnering with organizations that share our mission and values. Download our media kit.

A wish of every parent is to make sure that their kid is set up for financial success. But with money still being an akward and taboo topic for many, it can be difficult to approach this subject with young children to make sure they have the knowledge and tools that they need to be financially successful later on in life. If you're confused about when you should start talking to your kid about money, how to teach them how to be a responsible saver and spender, and you're curious on how to get them to undstand the concept of investing then this week's episode will provide you with the answers to these questions.    If you're a parent or a soon to be parent, then this week's episode of the podcast is for you. My guest in this week's episode, Andy Hill, is the founder of Marriage, Kids, and Money which is a financial platform that is dedicated to helping young families build wealth and thrive. Andy is a dad of two and a Accredited Financial Counselor who helps families create generational wealth through his podcast, blog, and YouTube channel. We're answering all your questions on how to set your kids up for financial success. Enjoy!     Find and Work with Andy: His Website His YouTube Channel His Podcast Get his free 60/40 Generational Wealth Plan     START HERE:  FREE MASTERCLASS: Why You Impulse Shop & How To Stop Get Paige's Money Recommendations     Work with Paige: Join the Overcoming Overspending Membership HERE Use code “MLP30” at checkout to save $30 on your first month inside the membership    Where you can find Paige online: Website: https://www.overcomingoverspending.com  Instagram: @overcoming_overspending TikTok: @overcoming_overspending

In this episode of the Inspired Money Live Stream Podcast, we navigate through the intricate relationship between financial habits and happiness. Joined by guests Grant Sabatier, Andy Hill, Amanda Clayman, and Kate Horrell, we explore the profound impact mindful spending can have on our lives. Episode Highlights: Embracing Financial Well-being Spending mindfully isn't just about managing money—it's about enriching your life. "The Art of Mindful Spending: Finding Joy in Financial Decisions" examines how thoughtful financial habits can elevate our sense of well-being and joy.

Financial education and knowledge are important parts of financial success and reaching goals. Often, though, people aren't taught or raised in an environment to learn about money in a way that builds confidence and helps you avoid financial mistakes. In this episode, Andi Wrenn shares insights on the importance of financial literacy, how to assess your own level of knowledge, and actionable steps you can take to take ownership of improving your financial know how.  Andi is an Accredited Financial Counselor® and a Military Qualified Financial Professional® with a passion for helping people make sound financial decisions for more than two decades. She has a bachelor's degree in math and education, a master's in counseling, and mediation professional for North Carolina.